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Dundas Street - Edinburgh

The latest on the property market and Brexit

Property prices within the UK are influenced by many things. It is still a little difficult to understand how much the current property market stagnation and falls in some areas are down to the uncertainty surrounding Brexit, or if it is just market movements.

The property market is experiencing changes which are influenced by current trends, rather than Brexit, these include:

  • Long-term wage growth not keeping up with inflation, which makes affordability tough and reduces the consumer demand for homes.
  • Changes to mortgage borrowing. Tighter affordability checks and new lending criteria for investors is resulting in many now not being able to buy when they previously could.
  • An increase in tax for landlords, specifically those within the higher tax bands.
  • An increased growth period in property prices in London, the East, and South, which has now come to a ‘natural’ end.

The above changes have resulted in a reduction in demand within the buying market which has ultimately contributed towards a slowing market.

With Brexit talks still occurring, this had added to uncertainty. More than this, news headlines are suggesting property price crashes and economic turmoil which has had an impact on supply and demand. Therefore, it is not a surprise that buyers and sellers are thinking it is better to wait until they know what will happen next.

Where does this leave you as a would-be investor or landlord? Making investments can be tricky, and when times are good, property prices can go up quickly. However, this will result in increased competition for properties. When times are uncertain, as they are presently, there can be some opportunities to grab a bargain from those people who need to sell. However, if you do so, you risk the chance of the property market falling after you buy.

There are 4 things to consider as a landlord and investor which may help to mitigate this year’s uncertainty: 

  • Make a comparison between what properties are selling now, compared to what was selling a year ago. Are you able to get a quick sale for buying a property at a lower price? Capital growth from a purchase is essential.
  • Have another look at your local rental market. Is demand fluctuating? How easy will it be to let your home if your tenant moves on?
  • Review your buy-to-let mortgages. It is a good idea to consider a fixed-rate deal, enabling you to control your monthly outgoings for the future.
  • Have a back-up plan. This is essential to have if you plan to survive if prices and rent falls. Do you need insurance to protect against rent arrears?


It isn’t uncommon for property markets to fall quickly for unexpected reasons such as an economic shock. Even though we don’t know what will happen with Brexit, you can still take steps to prepare and protect your investments.

To help you through this current market, do talk to our advisers so they can guide you on how to protect your buy-to-let portfolio. Don't hesitate to get in touch with one of our team today.


 For further information call: 0800 652 6649


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